INTEGRATED FILING — BANKING



General information about company

Scrip code 532210
NSE Symbol CUB
MSEI Symbol NA
ISIN INE491A01021
Name of bank CITY UNION BANK LIMITED
Class of security Equity
Date of start of financial year 01-Apr-2024
Date of end of financial year 31-Mar-2025
Date of board meeting when results were approved 02-May-2025
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 23-Apr-2025
Description of presentation currency INR (in Actuals)
Reporting Type Quarterly
Reporting Quarter Fourth quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Audited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Audited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 02-May-2025   14:00:00
End date and time of board meeting 02-May-2025   16:10:00
Whether cash flow statement is applicable on company Yes
Type of cash flow statement Cash Flow Indirect
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Whether the company has any related party? Yes
Whether the company has entered into any Related Party transaction during the selected half year for which it wants to submit disclosure? No
(I) We declare that the acceptance of fixed deposits by the bans/Non-Banking Finance Company are at the terms uniformly applicable/offered to all shareholders/public Yes
(II) We declare that the scheduled commercial bank, as per RBI circular RBI/DBR/2015-16/19 dated March 03, 2016, has allowed additional interest of one per cent per annum, over and above the rate of interest mentioned in the schedule of interest rates on savings or a term deposits of banks staff and their exclusive associations as well as on deposits of Chairman, Chairman & Managing Director, Executive Director or such other Executives appointed for a fixed tenure. Yes
(III) Whether the company is a high value debt listed entity according to regulation 15 (1A)? No
(a) If answer to above question is Yes, whether complying with proviso to regulation 23 (9), i.e., submitting RPT disclosures on the day of results publication?
(b) If answer to above question is No, please explain the reason for not complying.
Whether the updated Related Party Transactions (RPT) Policy (in compliance with Reg. 23 of SEBI LODR) has been uploaded on the website of the Company? Yes
Latest Date on which RPT policy is updated 2024-10-23
Indicate Company website link for updated RPT policy of the Company www.cityunionbank.com
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? Yes


Financial Results - Banking
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025 01-Apr-2024
B Date of end of reporting period 31-Mar-2025 31-Mar-2025
C Whether results are audited or unaudited Audited Audited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 12432451000 46721449000
Income on investments 2713565000 10733468000
Interest on balances with reserve bank of India and other inter bank funds 163414000 801121000
Others 17753000 84388000
Total interest earned 15327183000 58340426000
2 Other income 2512232000 8980623000
3 Total income 17839415000 67321049000
Expenses
4 Interest expenses 9324037000 35183292000
5 Operating expenses
(i) Employees cost 1965365000 7329993000
(ii) Details of other operating expenses
Description of other operating expenses
1 OTHER OPERATING EXPENSES 2140379000 8021502000
Total other operating Expenses 2140379000 8021502000
Total Operating Expenses 4105744000 15351495000
6 Total expenditure excluding provisions and contingencies 13429781000 50534787000
7 Operating profit before provision and contingencies 4409634000 16786262000
8 Provisions other than tax and contingencies 780000000 2620000000
9 Exceptional items 0 0
10 Total profit (loss) from ordinary activities before tax 3629634000 14166262000
11 Provision for Tax 750000000 2930000000
12 Net profit (loss) from ordinary activities after tax 2879634000 11236262000
13 Extraordinary items net of tax expenses 0 0
14 Net profit (loss) for the period 2879634000 11236262000
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 2879634000 11236262000
18 Details of equity share capital [Abstract]
Paid-up equity share capital 740986000 740986000
Face value of equity share capital 1 1
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year) 93925186000
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 22.7 22.7
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 3.89 15.17
Diluted earnings per share before extraordinary items 3.86 15.07
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 3.89 15.17
Diluted earnings per share after extraordinary items 3.86 15.07
(iv) NPA Ratios
Amount of gross non-performing assets 16381689000 16381689000
Amount of net non-performing assets 6530666000 6530666000
% of gross NPAs 3.09 3.09
% of net NPAs 1.25 1.25
Return on assets 1.53 1.55
21 Disclosure of notes on financial results by banks


Statement of Asset and Liabilities
Particulars Year ended (dd-mm-yyyy)
Date of start of reporting period 01-Apr-2024
Date of end of reporting period 31-Mar-2025
Whether results are audited or unaudited Audited
Nature of report standalone or consolidated Standalone
1 Capital and liabilities
Capital 740986000
Reserves and surplus 93925186000
Deposits 635259539000
Borrowings 21694100000
Other liabilities and provisions 24612338000
Total Capital Liabilities 776232149000
2 ASSETS
Cash and Balances with Reserve Bank of India 38745737000
Balances with Banks and money at call and short notice 14159690000
Investments 173361436000
Advances 520812546000
Fixed Assets 3223385000
Other Assets 25929355000
Total Assets 776232149000
Disclosure of notes on assets and liabilities


Text Block
Textual Information(1)


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results
Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-Jan-2025 01-Apr-2024
Date of end of reporting period 31-Mar-2025 31-Mar-2025
Whether results are audited or unaudited Audited Audited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 TREASURY 3139300000 12395000000
2 CORPORATE WHOLESALE BANKING 3611700000 14026100000
3 RETAIL DIGITAL BANKING 7700000 17500000
4 OTHER RETAIL BANKING 10517900000 39698600000
5 OTHER BANKING OPERATIONS 562800000 1183800000
Total Segment Revenue 17839400000 67321000000
Less: Inter segment revenue 0 0
Income from operations 17839400000 67321000000
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 TREASURY 1457500000 6199000000
2 CORPORATE WHOLESALE BANKING 456100000 2621800000
3 RETAIL DIGITAL BANKING 100000 -1100000
4 OTHER RETAIL BANKING 1958700000 6878000000
5 OTHER BANKING OPERATIONS 537200000 1088600000
Total Profit before tax 4409600000 16786300000
i. Finance cost 0 0
ii. Other Unallocable Expenditure net off Unallocable income 0 0
Profit before tax 4409600000 16786300000
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 TREASURY 200719900000 200719900000
2 CORPORATE WHOLESALE BANKING 153557400000 153557400000
3 RETAIL DIGITAL BANKING 6200000 6200000
4 OTHER RETAIL BANKING 397462300000 397462300000
5 OTHER BANKING OPERATIONS 0 0
Total Segment Assets 751745800000 751745800000
Un-allocable Assets 24486300000 24486300000
Net Segment Assets 776232100000 776232100000
4 Segment Liabilities
Segment Liabilities
1 TREASURY 175409900000 175409900000
2 CORPORATE WHOLESALE BANKING 136543500000 136543500000
3 RETAIL DIGITAL BANKING 7300000 7300000
4 OTHER RETAIL BANKING 353414600000 353414600000
5 OTHER BANKING OPERATIONS 0 0
Total Segment Liabilities 665375300000 665375300000
Un-allocable Liabilities 16190600000 16190600000
Net Segment Liabilities 665375300000 665375300000
Disclosure of notes on segments




Cash Flow Statement, Indirect
Particulars Year ended (dd-mm-yyyy)
A Date of start of reporting period 01-Jan-2025
B Date of end of reporting period 31-Mar-2025
C Whether results are audited or unaudited Audited
D Nature of report standalone or consolidated Standalone
1 Statement of cash flows
Cash flows from used in operating activities
Profit before extraordinary items and tax
2 Adjustments for reconcile profit (loss)
Adjustments to profit (loss)
Adjustments for finance costs 0
Adjustments for depreciation and amortisation expense 815900000
Adjustments for impairment loss reversal of impairment loss recognised in profit or loss 0
Adjustments for unrealised foreign exchange losses gains -377100000
Adjustments for dividend income 0
Adjustments for share-based payments 0
Other adjustments for which cash effects are investing or financing cash flow 2930000000
Other adjustments to reconcile profit (loss) 2620000000
Other adjustments for non-cash items -500000
Share of profit and loss from partnership firm or association of persons or limited liability partnerships 553300000
Total adjustments to profit (loss) 6541600000
3 Adjustments for working capital
Adjustments for decrease (increase) in inventories -1227100000
Adjustments for decrease (increase) in trade receivables -68105400000
Adjustments for decrease (increase) in other current assets 78693100000
Adjustments for increase (decrease) in trade payables -16167000000
Adjustments for increase (decrease) in other current liabilities 2347100000
Adjustments for provisions 0
Total adjustments for working capital -4459300000
Total adjustments for reconcile profit (loss) 2082300000
Net cash flows from (used in) operations 16248562000
Dividends received 0
Interest paid 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Net cash flows from (used in) operating activities before extraordinary items 16248562000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) operating activities 16248562000
4 Cash flows from used in investing activities
Cash flows from losing control of subsidiaries or other businesses 0
Cash flows used in obtaining control of subsidiaries or other businesses 0
Other cash receipts from sales of equity or debt instruments of other entities 0
Other cash payments to acquire equity or debt instruments of other entities 0
Other cash receipts from sales of interests in joint ventures 0
Other cash payments to acquire interests in joint ventures 0
Cash receipts from share of profits of partnership firm or association of persons or limited liability partnerships 0
Cash payment for investment in partnership firm or association of persons or limited liability partnerships 0
Proceeds from sales of tangible assets 780900000
Purchase of tangible assets -1977800000
Proceeds from sales of intangible assets 0
Purchase of intangible assets 0
Cash advances and loans made to other parties 0
Cash receipts from repayment of advances and loans made to other parties 0
Cash payments for future contracts, forward contracts, option contracts and swap contracts 0
Cash receipts from future contracts, forward contracts, option contracts and swap contracts 0
Dividends received 0
Interest received 0
Income taxes paid (refund) 0
Other inflows (outflows) of cash 0
Proceeds from government grants 0
Net cash flows from (used in) investing activities before extraordinary items 2758700000
Proceeds from extraordinary items 0
Payment for extraordinary items 0
Net cash flows from (used in) investing activities 2758700000
5 Cash flows from used in financing activities
Proceeds from issuing shares 42500000
Proceeds from issuing other equity instruments 0
Proceeds from issuing debentures notes bonds etc 0
Proceeds from borrowings 0
Repayments of borrowings 0
Dividends paid -1111000000
Interest paid 0
Income taxes paid (refund) -2035600000
Other inflows (outflows) of cash -25547500000
Net cash flows from (used in) financing activities before extraordinary items -22358400000
Proceeds from extraordinary items 0
Payment for extraordinary items 13178662000
Net cash flows from (used in) financing activities -35537062000
Net increase (decrease) in cash and cash equivalents before effect of exchange rate changes -16529800000
6 Effect of exchange rate changes on cash and cash equivalents
Effect of exchange rate changes on cash and cash equivalents 0
Net increase (decrease) in cash and cash equivalents -16529800000
Cash and cash equivalents cash flow statement at beginning of period 69435300000
Cash and cash equivalents cash flow statement at end of period 52905500000


Details of Impact of Audit Qualification
Whether results are audited or unaudited Audited
Declaration of unmodified opinion or statement on impact of audit qualification Declaration of unmodified opinion
Auditor's opinion
Declaration pursuant to Regulation 33 (3) (d) of SEBI (LODR) Regulation, 2015: The company declares that its Statutory Auditor/s have issued an Audit Report with unmodified opinion for the period on Standalone results Yes
Sr No. Audit firm's name Whether the firm holds a valid peer review certificate issued by Peer Review Board of ICAI Certificate valid upto
1 P B VIJAYARAGHAVAN AND CO Yes 31-Mar-2026
2 SRINIVASAN AND ASSOCIATES Yes 28-Feb-2027


Financial details
Sr. Particulars Audited Figures (as reported before adjusting for qualifications) Adjusted Figures (audited figures after adjusting for qualifications)
1 Turnover / Total income
2 Total Expenditure
3 Net Profit/(Loss)
4 Earnings Per Share
5 Total Assets
6 Total Liabilities
7 Net Worth

Any other financial item(s) (as felt appropriate by the management)



Signatories details

Name of CEO / Managing director
Name of CFO
Name of audit committee chairman
Name of statutory auditor
Name of other signatory, if any, with designation
Place
Date


Format for Disclosure of Related Party Transactions (applicable only for half-yearly filings i.e., 2nd and 4th quarter)
Sr No. Additional disclosure of related party transactions - applicable only in case the related party transaction relates to loans, inter-corporate deposits, advances or investments made or given by the listed entity/subsidiary. These details need to be disclosed only once, during the reporting period when such transaction was undertaken.
Details of the party (listed entity /subsidiary) entering into the transaction Details of the counterparty Type of related party transaction Details of other related party transaction Value of the related party transaction as approved by the audit committee Remarks on approval by audit committee Value of transaction during the reporting period In case monies are due to either party as a result of the transaction In case any financial indebtedness is incurred to make or give loans, inter-corporate deposits, advances or investments Details of the loans, inter-corporate deposits, advances or investments Notes
Name PAN Name PAN Relationship of the counterparty with the listed entity or its subsidiary Opening balance Closing balance Nature of indebtedness (loan/ issuance of debt/ any other etc.) Details of other indebtedness Cost Tenure Nature (loan/ advance/ intercorporate deposit/ investment ) Interest Rate (%) Tenure Secured/ unsecured Purpose for which the funds will be utilised by the ultimate recipient of funds (endusage)
1 CITY UNION BANK LIMITED N KAMAKODI MD CEO Remuneration 0 0 18222000 0 0
2 CITY UNION BANK LIMITED R VIJAY ANANDH EXECUTIVE DIRECTOR Remuneration 0 0 9899000 0 0
3 CITY UNION BANK LIMITED V RAMESH EXECUTIVE DIRECTOR Remuneration 0 0 1055000 0 0 Textual Information(1)
4 CITY UNION BANK LIMITED J SADAGOPAN CFO Remuneration 0 0 2269000 0 0
5 CITY UNION BANK LIMITED VENKATARAMANAN S CS Remuneration 0 0 1231000 0 0
6 CITY UNION BANK LIMITED NCS SOFT SOLUTIONS PVT LTD SOFTWARE VENDOR Purchase of goods or services 9500000 0 1150000 0 0
7 CITY UNION BANK LIMITED ABARNA AND ANANTHAN TAX CONSULTANT Purchase of goods or services 1500000 0 1500000 0 0
Total value of transaction during the reporting period 35326000



Text Block
Textual Information(1) pertains to period 21-02-2025 till 31-03-2025 as he was appointed as executive director w.e.f 21-02-2025


Format for Disclosing Outstanding Default on Loans and Debt Securities
Sr. No. Particulars Amount Remarks
1. Loans / revolving facilities like cash credit from banks / financial institutions
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
2. Unlisted debt securities i.e. NCDs and NCRPS
A Total amount outstanding as on date 0
B Of the total amount outstanding, amount of default as on date 0
3. Total financial indebtedness of the listed entity including short-term and long-term debt 21694100000 REPRESENTS TOTAL BORROWINGS OF THE BANK